The worst customer I ever had in those terms was British. A few others who I did not take on because they looked like that were pretty evenly scattered around the world. Are you not missing a few zeros there? What sort of bank spends valuable time to save $30? My biggest problem with clients is persuading them to do boring but necessary stuff like upgrades. Most people seem to be willing to set up backups though - for some reason that message has got through, at least partly. The other big problem is bikeshedding. The biggest problem I have is marketing. Probably just because of lack of skills on my part. The main impact is that I end up with clients who already know what they want, when I would be better off with clients who need me to tell them what they need.